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Use Loan Structure to pay off your home loan sooner and position
yourself for wealth creation.
Our loan products are designed for customer specific solutions. We call this Loan
Structuring.
If you want us to help you buy your first home, reduce your debt or even create
wealth, we’ll come up with a uniquely structured approach to meet your specific
requirements which may help you save thousands.
Here’s how it works!
- Effective use of your income (cash flow).
Have all your available income or cash flow deposited directly into your
All-In-One Loan Account to reduce the amount of interest you pay.
With the All-In-One Loan Account you have access to all the banking facilities
you need such as Internet & telephone banking, EFTPOS, cheque & deposit book,
BPAY, salary crediting and direct debits with not electronic transaction fees.
- Never pay credit card interest again with the amazing NIVA (Nil Interest
VISA) card.
Use the amazing NIVA card for all your monthly expenses including cash
withdrawals, interest free for 30 days. This helps you further reduce your
interest charges by allowing you to leave your cash flow in your home loan
account for up to 30 days. Unlike other lenders who will charge you excessive
credit card interest rates if you don’t have enough money to pay off your credit
card in full at the end of the month, we simply add this to your All-in-One Loan
Account at your home loan rate.
Your NIVA card also gives you access to your All-In-One Loan Account using
EFTPOS with no annual fee or electronic transaction fees. You even arrange
direct debits from your NIVA card.
- Prevent over spending yet retain flexibility.
Combine your All-In-One Loan Account with our Advantage Rate Loan and get the
best of all worlds. With principal & interest repayments on the Advantage Rate
Loan you will ensure you are always paying off your loan whilst retaining the
flexibility of the All-In-One Loan Account. Also, the interest rate on the
Advantage Rate Loan is one of the most competitive in the market.
- (4&5) Create Wealth.
Use loan structuring to maximise the tax benefits from wealth creation if you
are buying investment properties or shares.
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